Step 1 · Your Buying Power
Start with your income.
Uses a 45% debt-to-income ceiling, property tax at 1.25% of purchase price, and insurance at 0.125% of home value — typical planning assumptions for Alameda and Santa Clara County.
Max Purchase Price
$0
Monthly Budget · 45% DTI
$0
Down Payment Needed
$0
Monthly Payment at Your Max Price
| Principal & interest (30-yr fixed) | $0 |
| Property tax (1.25%/yr) | $0 |
| Insurance (0.125%/yr) | $0 |
| HOA | $0 |
| Total monthly | $0 |
Buying power by down payment
| Down | Cash Needed | Max Price | Loan Amount | Monthly |
|---|
Every additional 5% down doesn't just shrink the loan — it raises your maximum price, because taxes and insurance scale with the home's value while your budget stays fixed.
Step 2 · Price a Specific Home
Reverse-check a listing.
Found a home you like? Enter its price to see the true monthly cost and the income needed to qualify.
Total Monthly
$0
Income Required
$0
Cash for Down Payment
$0
Step 3 · Make It Real
Get your personalized game plan.
These numbers are a starting point. I'll connect you with trusted local lenders, pressure-test your budget against real listings in Fremont, Union City, Newark, Milpitas, and San Jose, and map out your path to keys in hand.